SEBASTICOOK VALLEY
Charter #8936 · PITTSFIELD, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.20% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.95% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.99% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 54th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SEBASTICOOK VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $182.62M | 45th pct | 41th pct |
| Members | 12,022 | 44th pct | 46th pct |
| Net worth ratio | 15.20% | 86th pct | 77th pct |
| Return on average assets | 1.95% | 95th pct | 92th pct |
| Net interest margin | 4.20% | 81th pct | 69th pct |
| Cost of funds | 1.64% | 74th pct | 54th pct |
| Loan-to-share | 110.45% | 100th pct | 92th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 57th pct |
| Net charge-off ratio | 0.09% | 18th pct | 23th pct |
| Loan growth YoY | 1.08% | 58th pct | 41th pct |
| Share growth YoY | 3.99% | 57th pct | 56th pct |
| Efficiency ratio | 57.99% | 6th pct | 7th pct |
structural peer set hash: 659bb5b01a0d4cfcafb8d28f90eb76be… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.